Emirates Insurance

Emirates Insurance Co.

EICStocksAbu Dhabi Securities ExchangeInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	205.20M	192.05M	158.14M	169.44M	175.89M
Operating Expenses	170.88M	159.46M	114.91M	130.97M	140.98M
Pretax Income	34.33M	32.59M	43.23M	38.48M	34.91M
Income Tax	1.89M	2.55M	3.93M	3.16M	1.11M
Net Income	32.44M	30.03M	39.30M	35.31M	33.80M
Premium Revenue	178.56M	175.00M	141.47M	153.14M	138.45M
Policy Benefits	103.93M	110.21M	103.11M	120.58M	126.69M
Policy Cost	53.18M	49.92M	—	—	—
EPS (Basic)	0.22	0.20	0.26	0.24	0.23
EPS (Diluted)	0.22	0.20	0.26	0.24	0.23
Margins & Efficiency
Net Margin %	+15.8%	+15.6%	+24.8%	+20.8%	+19.2%
Revenue & Income
Revenue Growth (YoY)	+16.7%	+43.8%	-6.6%	+27.6%	-2.4%
Revenue Insurance	205.20M	192.05M	158.14M	169.44M	175.89M
Premiums Annuity Rev	178.56M	175.00M	141.47M	153.14M	138.45M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	-0.78M	5.71M	6.82M	—	5.46M
Currency Exchange Gain (Loss)	—	—	—	—	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	13.76M	-0.66M	11.80M	10.39M	14.29M
Total Opex Insurance	170.88M	159.46M	114.91M	130.97M	140.98M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	103.93M	110.21M	103.11M	120.58M	126.69M
Policy Cost	53.18M	49.92M	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	1.19M	1.27M	1.04M	0.99M	0.92M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	34.33M	32.59M	43.23M	38.48M	34.91M
EBIT Margin	+16.7%	+17.0%	+27.3%	+22.7%	+19.8%
EBITDA	35.52M	33.86M	44.27M	39.46M	35.83M
EBITDA Margin	+17.3%	+17.6%	+28.0%	+23.3%	+20.4%
EBT Excluding Unusual Items	34.33M	32.59M	43.23M	38.48M	34.91M
Pretax Income	34.33M	32.59M	43.23M	38.48M	34.91M
Opinc Insurance	34.33M	32.59M	43.23M	38.48M	34.91M
Operating Margin	+16.7%	+17.0%	+27.3%	+22.7%	+19.8%
Profit Margin	+15.8%	+15.6%	+24.8%	+20.8%	+19.2%
Net Income	32.44M	30.03M	39.30M	35.31M	33.80M
Net Income to Common	32.44M	30.03M	39.30M	35.31M	33.80M
Net Income Growth	-4.0%	+3.1%	+34.4%	+204.4%	-17.1%
Income Tax Expense	1.89M	2.55M	3.93M	3.16M	1.11M
Effective Tax Rate	+5.5%	+7.8%	+9.1%	+8.2%	+3.2%
Per Share & Capital
EPS (Basic)	0.22	0.20	0.26	0.24	0.23
EPS (Diluted)	0.22	0.20	0.26	0.24	0.23
EPS Growth	-4.0%	+3.4%	+34.8%	+205.3%	-17.1%
Dividend Per Share	—	0.60	—	—	—
Shares Change (YoY)	—	-0	-0	-0	—
Shares Outstanding (Basic)	150.00M	149.56M	149.56M	149.56M	150.00M
Shares Outstanding (Diluted)	150.00M	149.56M	149.56M	149.56M	150.00M
Dividend Growth	—	+20.0%	—	—	—
Free Cash Flow	-6.99M	55.52M	108.18M	88.26M	-33.39M
Free Cash Flow Margin	-3.4%	+28.9%	+68.4%	+52.1%	-19.0%
Free Cash Flow Per Share	-0.05	0.37	0.72	0.59	-0.22
Payout Ratio	—	—	—	+212.4%	—
Supplemental
Total Interest Dividend Income	27.43M	11.35M	9.84M	16.31M	31.98M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	205.20M	192.05M	158.14M	169.44M	175.89M
Operating Expenses	170.88M	159.46M	114.91M	130.97M	140.98M
Pretax Income	34.33M	32.59M	43.23M	38.48M	34.91M
Income Tax	1.89M	2.55M	3.93M	3.16M	1.11M
Net Income	32.44M	30.03M	39.30M	35.31M	33.80M
Premium Revenue	178.56M	175.00M	141.47M	153.14M	138.45M
Policy Benefits	103.93M	110.21M	103.11M	120.58M	126.69M
Policy Cost	53.18M	49.92M	—	—	—
EPS (Basic)	0.22	0.20	0.26	0.24	0.23
EPS (Diluted)	0.22	0.20	0.26	0.24	0.23
Margins & Efficiency
Net Margin %	+15.8%	+15.6%	+24.8%	+20.8%	+19.2%
Revenue & Income
Revenue Growth (YoY)	+16.7%	+43.8%	-6.6%	+27.6%	-2.4%
Revenue Insurance	205.20M	192.05M	158.14M	169.44M	175.89M
Premiums Annuity Rev	178.56M	175.00M	141.47M	153.14M	138.45M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	-0.78M	5.71M	6.82M	—	5.46M
Currency Exchange Gain (Loss)	—	—	—	—	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	13.76M	-0.66M	11.80M	10.39M	14.29M
Total Opex Insurance	170.88M	159.46M	114.91M	130.97M	140.98M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	103.93M	110.21M	103.11M	120.58M	126.69M
Policy Cost	53.18M	49.92M	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	1.19M	1.27M	1.04M	0.99M	0.92M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	34.33M	32.59M	43.23M	38.48M	34.91M
EBIT Margin	+16.7%	+17.0%	+27.3%	+22.7%	+19.8%
EBITDA	35.52M	33.86M	44.27M	39.46M	35.83M
EBITDA Margin	+17.3%	+17.6%	+28.0%	+23.3%	+20.4%
EBT Excluding Unusual Items	34.33M	32.59M	43.23M	38.48M	34.91M
Pretax Income	34.33M	32.59M	43.23M	38.48M	34.91M
Opinc Insurance	34.33M	32.59M	43.23M	38.48M	34.91M
Operating Margin	+16.7%	+17.0%	+27.3%	+22.7%	+19.8%
Profit Margin	+15.8%	+15.6%	+24.8%	+20.8%	+19.2%
Net Income	32.44M	30.03M	39.30M	35.31M	33.80M
Net Income to Common	32.44M	30.03M	39.30M	35.31M	33.80M
Net Income Growth	-4.0%	+3.1%	+34.4%	+204.4%	-17.1%
Income Tax Expense	1.89M	2.55M	3.93M	3.16M	1.11M
Effective Tax Rate	+5.5%	+7.8%	+9.1%	+8.2%	+3.2%
Per Share & Capital
EPS (Basic)	0.22	0.20	0.26	0.24	0.23
EPS (Diluted)	0.22	0.20	0.26	0.24	0.23
EPS Growth	-4.0%	+3.4%	+34.8%	+205.3%	-17.1%
Dividend Per Share	—	0.60	—	—	—
Shares Change (YoY)	—	-0	-0	-0	—
Shares Outstanding (Basic)	150.00M	149.56M	149.56M	149.56M	150.00M
Shares Outstanding (Diluted)	150.00M	149.56M	149.56M	149.56M	150.00M
Dividend Growth	—	+20.0%	—	—	—
Free Cash Flow	-6.99M	55.52M	108.18M	88.26M	-33.39M
Free Cash Flow Margin	-3.4%	+28.9%	+68.4%	+52.1%	-19.0%
Free Cash Flow Per Share	-0.05	0.37	0.72	0.59	-0.22
Payout Ratio	—	—	—	+212.4%	—
Supplemental
Total Interest Dividend Income	27.43M	11.35M	9.84M	16.31M	31.98M